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The Obama administration has proven exceptionally talented in making law without Congress, using the vast alphabet soup of agencies such as the EPA, the IRS, the FCC, and the NLRB to drastically increase the government’s reach into our lives. Among all of the massively damaging regulations coming out of these agencies is a little-noticed rule from the Department of Labor that could drastically affect millions of Americans’ choice in IRA and 401K investments.

Personal Freedom and Prosperity 102: Acquiring and Possessing Property "They (worker in Chile) trust the private sector and prefer market risk to political risk. If you invest money in the market, it could go up or down. Over a 40-year period, though, a diversified portfolio will have very low risk and provide a positive rate of real return. But when the government runs the pension system, it can slash benefits at any time." - Jose Pinera, Harvard PhD